Construction loan based on pledging a stock portfolio

You don't need to know the first two, the last phrase would already be worth knowing if you own such a large portfolio (and otherwise as well).

Then please give me a helping hand. I haven't found anything on Google. Thank you.

RK = risk category

And since there is no 100% precise delimitation, it will be difficult. But roughly one can say:

RK1: deposit-protected investments such as overnight money, term deposits, fixed deposits, savings books, savings certificates, savings plans, home savings contracts, or covered bonds and European money market funds

RK2: fixed-interest securities, bonds with good credit ratings, European bond funds, and money market-like funds

RK3: stocks, equity funds with European blue chips, international bond, equity, and mixed funds

RK4: stocks and equity funds with European and non-European blue chips, certificates, currency bonds with medium credit rating

RK5: highly speculative bonds, foreign small-cap stocks, warrants, futures, options

Deviations upward and downward are always possible, and this list is by no means exhaustive or complete...

But since probably not all customers fully utilize their credit lines all at once, there's likely far less drama involved than your portrayal suggests.

I like it when people who have no clue throw different topics into one pot.

"Fully utilizing the credit line" – risk, to be precise optional risk, can be approached with statistics and models to determine whether it's drama or not. But the bank has to secure the latent credit risk, meaning also the funds that are not drawn but can be drawn.

And I like your posts in which you flaunt your qualification as an industry expert, after all, you work in a bank (Sparkasse?), but the reality is quite different.

And I like your posts where you flaunt your qualification as an industry expert, after all, you work in a bank (Sparkasse?), but in reality, it is quite different.

I simply intervene when there is nonsense. What you make of it is your business. I also do not believe you need to explain my job to me, which looks more or less similar at all banks. It is irrelevant whether it is a Sparkasse, cooperative bank, private bank, large bank, or specialized bank.

The topic of regulatory capital requirements is not part of this, by the way.

But we can gladly discuss in another thread or privately what the tasks of the various banking groups and fintechs are, what can be found where and how, and what my opinion is on the individual areas and their behavior, including profit management.

No, we don't need to discuss this. Because some guideline that is applied in some way is simply irrelevant theory. The OP is asking for solutions and not a lesson. I provided an experience report and nothing more. How Flatex (biw Bank) internally messes this up is absolutely irrelevant.